I live in Pennsylvania. I have about $30,000 in whole life insurance policies, 69, and currently healthy. Later, if I am in a nursing home over 100 days and go on Medicaid to pay for it, will they make me cash in my life insurance to pay for the nursing home bill? I am worried that they can take the money and leave my sons with the funeral expenses. Some say they can't take the money for the funeral home, others say they can.